ROI - Bigger Down Payment, Lower Rate, Shorter Term VS. Opposite?

[William Coet]

In the following two options which is one offers the larger return on investment for a loan on a rental:

Option 1: 20% Down ($22,200)- 5.25% APR, 20 Year Loan Term ($88,800 Loan Total, Total Loan Cost $143,678).

Option 2: 25% Down ($27,750)-3.25% APR, 30 Year Loan Term ($83,250 Loan Total, Total Loan Cost $137,344).